In 2025, Tanzania’s car insurance market is thriving, driven by increased vehicle ownership and government road safety initiatives. With 30 general insurance providers competing, choosing the right one can feel overwhelming. Here’s a quick look at the top companies based on coverage options, pricing, customer service, and claims processing:
- Jubilee Insurance: Market leader offering extensive policies and usage-based premiums.
- Britam Insurance Tanzania Ltd: Affordable, user-friendly digital tools, and flexible payment plans.
- Alliance Insurance: Reliable service with competitive pricing.
- NIC Insurance: Strong community outreach and mobile app for convenience.
- Heritage Insurance: Budget-friendly, straightforward policies.
- Zanzibar Insurance Corporation (ZIC): Focuses on coastal regions with competitive rates.
- Bumaco Insurance: Personalized service for smaller market share.
- CRDB Insurance Company Limited: New entrant offering banking-integrated services.
- Toyota Protect: Exclusive to Toyota owners, offering bundled coverage.
- Allianz Tanzania (Jubilee Allianz): Backed by global expertise.
- ICEA LION Group Tanzania: Regional presence with diverse offerings.
- Absa Tanzania: No direct offerings but worth checking for partnerships.
Key Takeaway: Bigger insurers like Jubilee and Allianz provide reliability, while smaller players like Heritage and Britam focus on affordability. Always compare quotes and check for nearby service providers to find the best fit for your needs.
1. Jubilee Insurance
Jubilee Insurance takes the top spot in our 2025 ranking, backed by its extensive experience and market dominance. In 2021, it held the largest share among non-life insurers in Tanzania, commanding 10.26% of the market. This solid footing highlights the company’s expertise in managing motor vehicle claims and catering to the needs of Tanzanian drivers. Here’s a closer look at what they offer.
Coverage Options
Jubilee Insurance provides comprehensive motor vehicle policies tailored to address the key concerns of car owners. These policies cover theft, accidents, and natural disasters. As Tanzanian drivers increasingly seek better protection for their vehicles, Jubilee’s offerings align well with these expectations.
Pricing (in USD)
Jubilee Insurance delivers competitive pricing to match its extensive coverage. Premium rates depend on factors like vehicle type and usage but remain within the projected average per capita spending of $9.42 for motor vehicle insurance by 2025. The company also offers usage-based policies, which are particularly beneficial for safer drivers, providing them with more affordable rates.
Claims Reliability
The company’s financial strength and market leadership ensure dependable claims processing. In 2021, Jubilee Insurance reported a non-life insurance turnover of 93,495,000 TZS (approximately $40,203), demonstrating its ability to handle claims efficiently. This financial stability is a key advantage in a market expected to grow to $672.85 million by 2025, as rising premiums and increased road accidents drive demand for reliable, comprehensive coverage.
Additional Benefits
Jubilee Insurance goes beyond standard coverage by partnering with Jubilee Allianz Insurance. This collaboration combines local expertise with global insurance practices, bringing added value to Tanzanian policyholders. The company also utilizes telematics technology to offer usage-based premiums, rewarding responsible drivers with lower costs. This approach not only encourages safer driving but also provides greater transparency for customers, helping them make well-informed decisions.
2. Britam Insurance Tanzania Ltd
Britam Insurance Tanzania Ltd holds the second spot for its broad coverage options and customer-friendly services. It’s a well-recognized name among Tanzanian car owners who seek reliable protection and efficient service.
Coverage Options
Britam’s comprehensive policies cover a wide range of risks, including accidents, theft, fire, natural disasters, windscreen damage, and personal accidents. These policies not only meet legal requirements but also help safeguard vehicle owners’ investments.
Customer Service Quality
Britam operates service centers in major cities, making in-person support accessible. The company has also embraced digital tools, enabling policyholders to manage their insurance online. Customers can submit claims and check their status through these platforms, catering to the growing preference for tech-based convenience. Additionally, their customer support team is available via phone and email during regular business hours to assist with inquiries.
Pricing (in USD)
Britam offers competitive premium rates, calculated based on factors like vehicle value, usage habits, and driver history. This ensures that premiums are aligned with the actual risk associated with each policyholder. For comprehensive coverage, their annual premiums are typically in line with industry averages and fall within the expected per capita insurance spending for 2025. To make payments more manageable, Britam allows customers to split premiums into multiple installments instead of a lump-sum payment, making their plans more accessible to a wider audience.
Additional Benefits
Britam goes beyond basic coverage by offering 24-hour emergency roadside assistance for breakdowns or accidents. This includes towing services to the nearest repair facility. They’ve also partnered with approved repair garages across Tanzania to ensure efficient and high-quality repairs after accidents. Safe drivers benefit from no-claims bonuses, which lower premium costs in subsequent years as a reward for maintaining a clean claims record.
With its blend of extensive coverage, flexible payment options, and added perks like emergency assistance, Britam addresses the key needs of Tanzanian drivers. Up next, we’ll take a closer look at Alliance Insurance’s offerings.
3. Alliance Insurance
Alliance Insurance Corporation Limited secures the third spot in our 2025 evaluation, thanks to its solid presence in the market and impressive financial track record. In 2021, the company reported a turnover of $32.78 million in Tanzania’s non-life insurance sector, capturing an 8.36% market share. These numbers reflect its financial strength and reliability in fulfilling policy commitments.
Coverage Options
Alliance Insurance provides motor vehicle policies tailored to meet diverse needs. These include third-party liability coverage – mandatory by law – as well as comprehensive plans that cover accidents, theft, and natural disasters. This approach aligns with the growing demand among Tanzanian customers for more extensive coverage to safeguard against unexpected financial burdens.
Customer Service Quality
Operating out of Dar Es Salaam, Alliance Insurance is well-positioned to serve local drivers efficiently and address their insurance needs.
Pricing (in USD)
Premiums are priced competitively, keeping pace with market trends and adapting to changing customer expectations.
Claims Reliability
With its strong financial foundation and established market share, Alliance Insurance ensures reliable claims processing, offering peace of mind to its policyholders.
For Tanzanian car owners, Alliance Insurance stands out as a dependable choice, combining financial stability with comprehensive coverage options. Next, we’ll dive into NIC Insurance to explore more choices for drivers in Tanzania.
4. NIC Insurance
National Insurance Corporation (NIC Insurance) holds the fourth spot in 2025, thanks to its strong market presence and focus on making insurance accessible. Back in 2021, NIC reported a non-life insurance turnover of $30,187.00, securing a 7.70% share of Tanzania’s non-life insurance market. Additionally, its life insurance turnover reached $4,727.00, showcasing its diverse offerings.
Coverage Options
NIC Insurance provides two main motor insurance products tailored to meet different needs. The Third Party Only coverage satisfies the legal requirement for vehicle owners, covering liability for injuries or damages caused to others. For those looking for more extensive protection, the Comprehensive Motor Insurance goes beyond, offering coverage for accidents, theft, fire, and natural disasters. This dual approach ensures drivers have options that suit their circumstances.
Customer Service Quality
NIC Insurance stands out for its direct-to-community approach. Through its NIC Kitaa program, the company brings insurance services to local communities, including rural areas often underserved by traditional providers. This initiative bridges the urban-rural gap, making insurance more accessible to drivers across Tanzania.
On the tech front, NIC Insurance has embraced digital solutions with NIC Kiganjani, a mobile app designed to simplify insurance management. The app allows users to manage policies and make payments conveniently, aligning with the growing use of smartphones in Tanzania.
Additionally, NIC has expanded its reach by forming partnerships with banks, creating more ways for customers to purchase and manage their insurance policies. These partnerships make it easier for clients to access services without needing to visit physical offices.
Pricing (in USD)
NIC Insurance offers flexible pricing based on coverage type and individual risk. The Third Party Only option is an affordable choice for those on a budget, while the Comprehensive Motor Insurance provides broader protection at a higher premium. This pricing strategy ensures options for a variety of financial situations.
Claims Reliability
With nearly 8% of the non-life insurance market share and a strong financial foundation, NIC Insurance has built a reputation for dependable claims processing. Its consistent market performance reassures policyholders that the company can fulfill its commitments when claims arise.
NIC Insurance’s blend of community outreach, digital tools, and reliable service makes it an appealing choice for Tanzanian drivers seeking straightforward and dependable coverage. Up next, we’ll dive into Heritage Insurance and its offerings for 2025.
5. Heritage Insurance
Heritage Insurance holds the fifth spot in Tanzania’s insurance market for 2025. Known for its dependable services, it provides car insurance solutions tailored to both individual vehicle owners and commercial fleet operators.
Coverage Options
Heritage Insurance offers two main types of car insurance:
- Third Party Only: This policy meets legal requirements by covering liability for bodily injury or property damage caused to others. It’s a straightforward option for drivers focused on basic coverage.
- Comprehensive Car Insurance: For more extensive protection, this policy covers accidental damage, theft, fire, vandalism, and natural disasters like floods or storms. It also includes coverage for windshield damage, personal accident benefits, and even vehicle accessories or modifications.
Customer Service Quality
Heritage Insurance prioritizes customer support with branch offices in major cities and a team of trained professionals to assist policyholders efficiently.
In addition to in-person services, the company provides basic digital tools for managing policies. Customers can also reach out through various channels, including phone and email, ensuring flexible and accessible communication.
Pricing (in USD)
Heritage Insurance’s pricing is designed to reflect both the level of coverage and the individual risk profile of the policyholder:
- Third Party Only: This budget-friendly option is ideal for drivers of older vehicles or those looking to stay compliant with minimal costs.
- Comprehensive Car Insurance: While this policy comes with higher premiums due to its extensive coverage, Heritage Insurance remains competitive in the Tanzanian market. Discounts are available for drivers with no claims history and for insuring multiple vehicles under one policy, which is particularly beneficial for families and small businesses.
To make payments easier, the company offers installment plans, adding convenience for its customers.
Claims Reliability
Heritage Insurance is committed to processing claims efficiently. Standard claims are handled promptly using approved repair networks, while more complex cases undergo thorough evaluations to ensure accuracy and prevent fraud.
With its blend of comprehensive coverage, accessible customer service, and dependable claims handling, Heritage Insurance continues to be a strong choice for Tanzanian drivers in 2025. Next, we’ll take a closer look at Zanzibar Insurance Corporation’s offerings.
6. Zanzibar Insurance Corporation
Ranked sixth in the 2025 evaluation, Zanzibar Insurance Corporation (ZIC) stands out as a key player in Tanzania’s general insurance market. Led by Acting CEO Jape U. Khamis, ZIC also oversees ZIC Takaful, which offers Sharia-compliant insurance products tailored to meet specific customer needs.
In 2021, ZIC reported a non-life insurance turnover of 20,325,000 TZS (about $8,740 USD). This represented a 6.84% increase compared to 2020, securing the company a 2.23% share of the non-life insurance market.
While detailed information about ZIC’s car insurance offerings is scarce, its consistent market growth highlights its strong regional foothold.
Next, we turn our attention to Bumaco Insurance Company.
7. Bumaco Insurance Company
Bumaco Insurance Company, led by CEO Ramadhani Mongi, ranks seventh in the 2025 list. The company focuses on general insurance in Tanzania, while its life insurance products are managed by a separate entity, Bumaco Life Insurance.
In 2021, Bumaco Insurance reported a non-life insurance turnover of 14,450,000 TZS (around $6,213 USD), making up 1.59% of the non-life insurance market. Although its market share is smaller compared to the leading players, Bumaco remains a recognized name in Tanzania’s insurance industry.
Its modest market presence highlights its role as a smaller player in a highly competitive sector. However, limited public information about its car insurance offerings and customer service makes it difficult to draw direct comparisons with larger competitors. While Bumaco’s steady financial performance signals operational stability, there is little publicly available data on aspects like claims processing, pricing, or special benefits.
For Tanzanian car owners interested in Bumaco’s policies, it’s best to reach out to the company directly to learn about specific coverage options, premium rates, and terms.
Next, we’ll explore CRDB Insurance Company Limited.
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8. CRDB Insurance Company Limited
CRDB Insurance Company Limited (CIC) ranks eighth in our 2025 list. Introduced by CRDB Bank in May 2023, it’s a fresh face in Tanzania’s insurance sector. For context, CRDB Bank is also one of the 28 registered bancassurance agents as of December 31, 2022.
Being new to the market, CRDB Insurance is still building its reputation and operational history. Information on key metrics like claims processing and average turnaround times is currently limited. If you’re considering their services, it’s a good idea to reach out directly to CRDB Insurance for specifics on their policies, premium rates, and claims procedures.
Up next, we’ll explore Toyota Protect, an offering from Toyota Tanzania Ltd.
9. Toyota Protect (Toyota Tanzania Ltd.)
Coming in at number nine, Toyota Protect caters primarily to Toyota vehicle owners through Toyota Tanzania Ltd. This manufacturer-supported insurance option offers the convenience of bundled coverage specifically for Toyota drivers. However, detailed information about its policies, pricing, and claims process isn’t readily available.
Here’s what we know so far:
Coverage Options
Toyota Protect seems to focus on coverage designed with Toyota owners in mind. For precise details, it’s best to consult Toyota Tanzania Ltd. directly.
Pricing
Unfortunately, no pricing details have been disclosed publicly.
Claims Reliability
There’s no publicly available information regarding the efficiency or speed of their claims process.
Additional Benefits
Details about any extra perks or unique features of Toyota Protect remain unspecified.
For a clear understanding of their policies, pricing, and claims process – or to explore any potential benefits – reaching out to Toyota Tanzania Ltd. directly is your best bet.
Next, we’ll dive into Allianz Tanzania (Jubilee Allianz), a collaboration that brings international insurance expertise to the Tanzanian market.
10. Allianz Tanzania (Jubilee Allianz)
Jubilee Allianz stands out as a prominent insurance provider in Tanzania, formed through a collaboration between Jubilee Insurance and the Allianz Group. Under the leadership of CEO Dipankar Acharya as of 2025, the company is part of the larger Jubilee Group, which earned recognition as one of the top non-life insurers by turnover in 2021. This achievement underscores its solid market presence and financial strength.
Coverage Options
While specific details about their offerings are limited, Jubilee Allianz likely provides standard insurance options such as comprehensive and third-party policies. For precise information, it’s best to contact the company directly.
Pricing
Current pricing details aren’t publicly available. To get accurate and up-to-date quotes, reach out to the insurer.
Claims Reliability
Information regarding claims processing is sparse. For clarity on their claims reliability, it’s recommended to consult the company.
Additional Benefits
No information about extra benefits is specified. For a complete understanding of what they offer, contacting Jubilee Allianz is essential.
For further insights, connect directly with Jubilee Allianz. Next up is ICEA LION Group Tanzania for another evaluation.
11. ICEA LION Group Tanzania
ICEA Lion Insurance is among the 30 registered general insurance companies operating in Tanzania as of 2025. In 2021, the company reported a non-life insurance turnover of TZS 17,255,000 (around $7,420), marking a 27.84% growth compared to 2020. At that time, it held a 1.89% share of the non-life insurance market.
Coverage Options
While specific details about ICEA Lion’s car insurance offerings in 2025 are not provided, it likely includes standard options such as comprehensive, third-party, and third-party fire & theft policies. For precise information, reaching out to the insurer directly is recommended.
Pricing
Pricing details for ICEA Lion’s car insurance are unavailable. Premium rates typically depend on factors like the vehicle’s value, the driver’s history, and the chosen coverage level. To get an accurate quote, contact ICEA Lion directly.
Claims Reliability
Information about ICEA Lion’s claims process is not provided. If you’re interested in understanding their claims handling procedures, it’s best to contact the company for further details.
Additional Benefits
No specifics on additional perks – such as roadside assistance or safe driver discounts – are mentioned. For more information about any extra services they might offer, consider reaching out to ICEA Lion.
Next, we review Absa Tanzania.
12. Absa Tanzania
When looking into Absa Tanzania, it’s important to note that as of 2025, the institution is not listed as an insurance provider or a bancassurance agent in the country. While Absa is a prominent name in Tanzania’s banking sector, there’s no clear evidence that it directly offers car insurance products or services.
If you’re considering Absa for car insurance, it’s a good idea to reach out to them directly to inquire about any potential partnerships or offerings. For Tanzanian drivers, it’s always best to stick with insurers that are officially recognized and registered. Doing so ensures you receive proper regulatory protection and reliable coverage for your vehicle. To stay on the safe side, opt for one of the ranked and registered insurers that are equipped to meet your needs in 2025.
Advantages and Disadvantages
Here’s a closer look at the key strengths and weaknesses of various insurance providers, helping you determine which aligns best with your needs. Some insurers excel in service and reliability but come with higher premiums, while others focus on affordability, sometimes at the expense of additional features.
| Insurance Company | Key Advantages | Main Disadvantages |
|---|---|---|
| Jubilee Insurance | Wide branch network across Tanzania; financially stable; comprehensive policy options; long-standing reputation | Higher premiums compared to smaller competitors; slower claims processing during busy periods |
| Britam Insurance Tanzania Ltd | Affordable comprehensive coverage; user-friendly digital claims platform; positive customer service feedback; flexible payment plans | Limited branch presence outside major cities; fewer add-ons compared to larger insurers |
| Alliance Insurance | Focus on customer relationships; personalized service; competitive premiums; quick inquiry responses | Smaller garage network; limited online self-service tools; fewer policy customization options |
| NIC Insurance | Established reputation; reliable claims settlement; tiered coverage options for different budgets; strong corporate expertise | Inconsistent customer service across branches; more extensive documentation requirements |
| Heritage Insurance | Budget-friendly premiums; simple policy terms; expanding network of service providers | Fewer comprehensive coverage options; limited digital tools for policy management; smaller claims team |
| Zanzibar Insurance Corporation | Strong presence in Zanzibar and coastal regions; tailored understanding of local driving conditions; competitive rates for island residents | Limited coverage in mainland Tanzania; fewer policy options; smaller financial reserves |
| Bumaco Insurance Company | Specialized services with personalized attention; flexible policy customization; dedicated agents | Smaller company size may slow claims processing; limited brand recognition; fewer nationwide branches |
| CRDB Insurance Company Limited | Convenient premium payments through banking integration; growing digital platform; competitive rates for CRDB customers | Newer player in the market; still developing claims infrastructure; shorter track record |
| Toyota Protect | Tailored coverage for Toyota vehicles; seamless integration with Toyota service centers; reliability backed by the manufacturer | Exclusive to Toyota owners; higher premiums for brand-specific coverage; limited flexibility for non-Toyota repairs |
| Allianz Tanzania (Jubilee Allianz) | International reputation; strong financial backing; wide-ranging policy options; advanced risk assessment | Premiums reflect global standards, making it pricier for budget-conscious drivers; policy terms can be complex |
| ICEA LION Group Tanzania | Cross-border benefits due to East African presence; strong financial standing; diverse product offerings | Smaller local footprint compared to Tanzanian-only insurers; customer service varies by location; limited brand awareness |
When choosing an insurer, think about what matters most for your situation. If you frequently drive between cities or need reliable roadside support, companies like Jubilee Insurance with extensive branch networks are better equipped to assist. On the other hand, if affordability is a priority, Heritage Insurance and Britam offer budget-friendly options without compromising essential coverage.
Larger insurers often have the resources to handle claims efficiently, though their processes may take longer due to higher volumes. Smaller providers, like Bumaco Insurance, can offer a more personalized experience but may face challenges during peak claim periods. Digital platforms are also becoming a game-changer, with companies like Britam and CRDB allowing claims submissions and policy management online. However, traditional insurers relying on paper-based processes often provide more thorough claim reviews, though they can be less convenient.
Geographic coverage is another crucial factor. Ensure your insurer has approved garages and service providers in your area. For example, Toyota Protect is ideal for Toyota owners, offering repairs with genuine parts at authorized service centers. However, this specialization comes with higher premiums. For drivers with non-Toyota vehicles, general insurers offer more flexibility in repair options.
The financial strength of an insurer plays a big role in how quickly claims are paid. Established names like Jubilee Insurance and Allianz Tanzania have strong reserves and international backing, which reduces the risk of delays. Meanwhile, smaller insurers may offer lower rates but could face liquidity challenges during periods of high claims.
Lastly, payment flexibility is increasingly important. CRDB Insurance stands out by integrating premium payments with its banking services, offering options like mobile banking and automatic deductions. Other insurers may require manual payments, which can lead to missed deadlines and potential lapses in coverage. Always check payment options to ensure they fit your preferences.
Conclusion
Finding the right car insurance in Tanzania means weighing your budget, coverage needs, and the level of service you expect. Each of the companies highlighted offers distinct benefits designed to meet different driver priorities.
Start by identifying what matters most to you. If reliability and financial stability are at the top of your list, companies like Jubilee Insurance, Allianz Tanzania, and NIC Insurance are solid options. These insurers have a strong reputation and the financial resources to handle claims efficiently, though their premiums may be higher.
For those keeping an eye on costs, Heritage Insurance and Britam Insurance Tanzania Ltd provide affordable rates while still covering the basics. However, they may offer fewer customization options and less digital convenience. It’s also essential to consider your location – make sure your insurer has service providers near where you live and drive, whether that’s along the coast or across mainland Tanzania.
As digital tools become more important, insurers like Britam and CRDB Insurance Company Limited stand out for their online claim submission and policy management options. That said, traditional insurers with in-person services might offer more detailed claim reviews, which some drivers prefer.
To make an informed choice, request quotes from at least three insurers and carefully compare their coverage terms. Pay close attention to policy exclusions to avoid surprises during claims. Customer reviews can give you insight into how efficiently claims are processed, and it’s worth asking about payment flexibility to prevent lapses in coverage. Investing in a provider known for fast, reliable claims processing can save you from unnecessary headaches down the road. Take the time to choose an insurer that fits both your immediate needs and long-term driving plans in Tanzania.
FAQs
What should I look for when selecting a car insurance company in Tanzania?
When selecting a car insurance provider in Tanzania, pay close attention to coverage options, customer service, pricing, and dependability. Look for a policy that aligns with your specific needs, provides prompt and helpful support, and offers competitive rates without sacrificing quality.
Take time to investigate the insurer’s reputation. This includes how quickly and fairly they process claims and their overall customer satisfaction record. Choosing a dependable provider can significantly enhance your confidence and security while driving.
What is usage-based car insurance, and which companies in Tanzania provide it?
Usage-based car insurance (UBI) offers a fresh approach to determining your premium. Instead of relying solely on fixed factors like your age or the type of car you drive, UBI takes into account how you drive. Using telematics devices or mobile apps, it tracks details like your mileage, speed, and braking habits. This means safer drivers can potentially enjoy lower premiums as a reward for their good driving behavior.
In Tanzania, a few leading insurance companies have started introducing UBI as part of their offerings. While availability might differ between providers, it’s a good idea to check with the top insurers featured in our 2025 rankings to see if they offer this cost-saving option for drivers aiming to reduce their insurance expenses.
What are the benefits of choosing a larger car insurance company like Jubilee Insurance in Tanzania?
Choosing a well-established car insurance provider, like Jubilee Insurance, comes with several perks. For one, larger insurers often offer a wider range of coverage options, making it easier to tailor a plan to fit your unique needs. Whether you’re looking for basic liability coverage or something more extensive, these companies usually have you covered.
Another big plus is their financial reliability. With the resources to handle claims smoothly – even during tough times – you can count on them to deliver when it matters most.
And let’s not forget customer service. Bigger insurers typically invest heavily in support systems, which translates to faster claims processing and easier access to help when you need it. For car owners seeking reliable and hassle-free insurance, these advantages can make all the difference.
